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太极色大能猫
2021-11-01
$特斯拉(TSLA)$
还要继续持仓吗?
太极色大能猫
2021-10-18
$特斯拉(TSLA)$
654刀的本,该不该出了
太极色大能猫
2021-08-13
$阿里巴巴(BABA)$
价值观崩坏的公司,捂不住丑恶行径了才发公关玩文字游戏,全民反感。恶性事件的曝光,让普通散户发现它的护城河已经减弱。
太极色大能猫
2021-08-23
$先瑞达医疗-B(06669)$
感谢不中之恩。
太极色大能猫
2023-01-02
买了这么多年,派息都没派一次
抱歉,原内容已删除
太极色大能猫
2021-10-26
$特斯拉(TSLA)$
特斯拉yyds!
太极色大能猫
2021-10-21
$特斯拉(TSLA)$
到点该卖了吗?654刀的本。
太极色大能猫
2021-09-03
$特斯拉(TSLA)$
加油💪
太极色大能猫
2022-12-06
披着公益的外衣,实际上全是生意。如果不是进入股市,谁知道它原来是这幅面孔,公司都在美股上市了。
抱歉,原内容已删除
去老虎APP查看更多动态
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亿美元。特斯拉将股票作为员工薪酬计划的一部分,股价下跌也损害了特斯拉员工所持股票的价值。就在12月底,马斯克还给特斯拉员工...</p>\n\n<a href=\"http://www.techweb.com.cn/smarttraveling/2023-01-01/2916040.shtml\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/8350896f4f33c86bc28f200b67ab82b4","relate_stocks":{"QNETCN":"纳斯达克中美互联网老虎指数","BK4585":"ETF&股票定投概念","LU0234570918.USD":"高盛全球核心股票组合Acc Close","LU2357305700.SGD":"Allianz Global Artificial Intelligence ET H2-SGD","LU1861559042.SGD":"日兴方舟颠覆性创新基金B SGD","BK4534":"瑞士信贷持仓","LU1839511570.USD":"WELLS FARGO GLOBAL FACTOR ENHANCED EQUITY \"I\" (USD) ACC","BK4555":"新能源车","LU0053666078.USD":"摩根大通基金-美国股票A(离岸)美元","TSLA":"特斯拉","LU0823411888.USD":"法巴消费创新基金 Cap","BK4533":"AQR资本管理(全球第二大对冲基金)","LU0082616367.USD":"摩根大通美国科技A(dist)","LU1551013342.USD":"Allianz Income and Growth Cl AMg2 DIS USD","LU0056508442.USD":"贝莱德世界科技基金A2","LU0719512351.SGD":"JPMorgan Funds - US Technology A (acc) SGD","IE00B1XK9C88.USD":"PINEBRIDGE US LARGE CAP RESEARCH 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亿美元。特斯拉将股票作为员工薪酬计划的一部分,股价下跌也损害了特斯拉员工所持股票的价值。就在12月底,马斯克还给特斯拉员工发了一封电子邮件,他在邮件中表示希望员工不要“被疯狂的股市所困扰”,从长远来看,特斯拉将成为地球上最有价值的公司。","news_type":1},"isVote":1,"tweetType":1,"viewCount":1564,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":629113070,"gmtCreate":1670331025290,"gmtModify":1670331027326,"author":{"id":"3578121317245854","authorId":"3578121317245854","name":"太极色大能猫","avatar":"https://static.tigerbbs.com/e578144bd9e58bd93ffd506e3f774d1f","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3578121317245854","authorIdStr":"3578121317245854"},"themes":[],"htmlText":"披着公益的外衣,实际上全是生意。如果不是进入股市,谁知道它原来是这幅面孔,公司都在美股上市了。","listText":"披着公益的外衣,实际上全是生意。如果不是进入股市,谁知道它原来是这幅面孔,公司都在美股上市了。","text":"披着公益的外衣,实际上全是生意。如果不是进入股市,谁知道它原来是这幅面孔,公司都在美股上市了。","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/629113070","repostId":"2284211117","repostType":2,"repost":{"id":"2284211117","kind":"news","pubTimestamp":1668763920,"share":"https://www.laohu8.com/m/news/2284211117?lang=&edition=full","pubTime":"2022-11-18 17:32","market":"sh","language":"zh","title":"水滴筹开始抽成3%,公益终成生意","url":"https://stock-news.laohu8.com/highlight/detail?id=2284211117","media":"新浪证券","summary":" 2021年5月7日,水滴公司于纽交所上市,成为国内第一家登陆纽交所的保险科技公司。 不增收却增利背后,水滴公司的净利润改善与其业务开展无关,而与公司开源节流有关。 2022年4月后,水滴筹开始收取提现金额的3%作为平台服务费,用于日常运营和用户服务,每案例服务费收取上限为5000元,第三方支付平台将另行扣除提现金额0.6%作为支付通道费用。","content":"<html><body><div>\n<blockquote><p> 炒股就看<a href=\"https://laohu8.com/S/603586\">金麒麟</a>分析师研报,权威,专业,及时,全面,助您挖掘潜力主题机会!</p></blockquote> <p> 出品:新浪财经上市公司研究院</p>\n<p> 作者:新消费主张/cici</p>\n<p> 2021年5月7日,<a href=\"https://laohu8.com/S/WDH\">水滴</a>公司于<a href=\"https://laohu8.com/S/NYSE\">纽交所</a>上市,成为国内第一家登陆纽交所的保险科技公司。然而,上市不足2年,水滴公司的股价已由初上市的12美元/股跌至1.6美元/股,累计跌幅约为86.67%。</p>\n<p> 这或与其水滴筹、水滴保两条主营业务线发展均不容乐观存在一定的联系。2022年上半年,水滴公司共实现营业总收入13.80亿元,同比下降25.31%;共实现净利润3.12亿元,同比扭亏为盈。其中,公司第二季度营收为7.17亿元,同比下降24.62%;净利润为2.07亿元,同比增长131.56%。</p>\n<p> 不增收却增利背后,水滴公司的净利润改善与其业务开展无关,而与公司开源节流有关。财报显示,水滴公司二季度运营成本和费用为5.45亿元,同比下降68.9%。其中,销售和营销费用同比下降88.4%。事实上,水滴筹两大主营业务线水滴筹、水滴保的业务发展均不容乐观。</p>\n<p> <strong>水滴筹开始抽成3%、负面新闻缠身 二季度筹款规模环比缩减</strong></p>\n<p> 水滴公司创立于2016年,公司旗下业务主要包括水滴保险商城、水滴筹,其中水滴筹为个人大病求助平台,水滴保险商城是国内头部保险经纪平台。水滴公司的盈利模式大致为,通过水滴互助(已关停)和水滴筹聚集起关注捐赠、众筹以及需要帮助的用户,形成巨大的用户流量池,这也为水滴保险商城积累了原始客户群。</p>\n<p> 水滴筹业务是继水滴互助业务后,水滴公司推出的第二款线上互助产品,其主要负责用户推广的任务,为公司其他业务导流——当患病家庭在水滴筹平台发起募捐后,募捐链接可以在朋友圈、群聊等方式不受限转发,实现裂变传播,平台的线上品牌效应也顺势建立,如此一来很容易高效地给水滴平台带来大批低成本的流量</p>\n<p> 2022年前虽未给公司创收,但作为国内知名度较高的公益筹款平台之一,水滴筹的巨大用户量,为水滴公司的业务开展奠定了坚实的用户基础。截至2022年6月30日,累计超过4.12亿人通过水滴医疗众筹向超过258万患者捐款,合计约533亿元。</p>\n<p> 2022年4月前,水滴筹的筹款服务均为免费的,无平台服务费等。依靠免手续费的优势,水滴筹收获了大量的客户流,为后面开拓保险业务打下了基础。</p>\n<p> 2022年4月后,水滴筹开始收取提现金额的3%作为平台服务费,用于日常运营和用户服务,每案例服务费收取上限为5000元,第三方支付平台将另行扣除提现金额0.6%作为支付通道费用。也就是说,在水滴筹平台上筹款,提款时需要扣除3.6%的平台服务费和支付通道费,即若筹资10万,需扣除3600元费用。</p>\n<p> 对此,水滴公司表示水滴筹平台收取3%平台服务费是为了更好地覆盖水滴筹业务直接成本,减轻公司对筹款业务的补贴,从而实现可持续发展。收取平台服务费后,2022年二季度报上显示,水滴筹业务也开始为水滴公司创收了,共带来5610万元收入,约占全部收入的8.96%。</p>\n<p> 事实上,水滴筹平台在2022年之前真的是0收益吗?答案显然是否定的,水滴公司此举更有“在平台用户见顶、筹款规模放缓、保险经纪业务业绩下滑严重后,榨取水滴筹平台剩余价值”的意味。</p>\n<p> 目前国内筹款平台众多,规模较大也就是水滴筹、轻松筹和无忧愁。相比轻松筹、无忧筹,水滴筹的平台服务费是三者中最高的,其中轻松筹平台服务费为2%、无忧筹无平台服务费,而水滴筹的平台服务费大3.6%。</p>\n<p> 同时,由于国内筹款平台同质化严重等问题,相当一部分筹款人或将选择轻松筹、无忧筹等平台。通过2022年第二季度水滴筹平台的筹款规模变化或也能看出些端倪,平台Q2筹款规模为24亿元,环比下降4.00%。</p>\n<p> 筹款规模环比下降,一方面原因或在于平台服务费的收取,另一方面原因或在于水滴筹平台负面新闻频发、信任优势下降。</p>\n<p> 现如今的大病筹款更像是一场大规模的“道德绑架”,众筹治病的故事越来越多,这其中夹杂着家境尚好且有房有车的小康家庭、透支大众善良的黑中介组织等等。</p>\n<p> 对于水滴筹平台而言,由于平台审核不到位等原因,更是频曝负面新闻、引发社会舆论。例如,水滴筹先后发生了德云社弟子筹款、“PS病例”、黑中介等丑闻,地推人员还被曝光伪装成“志愿者”,逐个病房引导患者发起筹款,募捐金额随意填写,不加审核甚至隐瞒求助者财产状况等。</p>\n<p> 这些负面新闻,都在直指水滴筹业务“一面是公益,一面是生意”的矛盾性,其信任优势也随之下降,这或也是公司二季度筹款规模下降的核心因素之一。</p>\n<p> <strong>保险主业颓势难减 二季度同比下降30.4%</strong></p>\n<p> 2017年5月,水滴公司获得保险经纪牌照,正式开始经营保险业务,向低线城市用户提供低价保险产品。</p>\n<p> 据公开资料显示,2019年、2020年和2021年,水滴筹和水滴互助业务的用户为水滴保险产生的FYP (第一年度保费) 的65.2%、55.1%和50.4%。这也意味着,水滴保险超过一半的收入来自水滴筹和水滴互助用户。2021年3月,水滴互助业务被监管叫停后,水滴筹成为水滴保险业务的唯一内部流量支柱。</p>\n<p> 水滴保在大数据的基础之上可以为用户量身定制保险产品,水滴保商城本身并不设计保险产品,而是通过保险代销的模式和各大保险公司合作,为用户提供具有个性化的、性价比高的保险产品。由于有大数据的支撑,水滴保可以根据用户需求推荐更加适合用户的保险。</p>\n<p> 从营收构成角度看,水滴保险佣金收入是主要收入来源,数据显示第二季度,保险相关的收入约为6.26亿元,占比约为87.31%,该业务相关收入包含保险经纪业务赚取的佣金和技术服务收入。</p>\n<p> 截至6月30日,水滴保平台上共提供了454种保险产品,较上季度增加48种,但仍难挡该部分营收下滑的事实。2022年第二季度,水滴公司保险相关收入约为6.26亿元,相较去年同期同比下降30.4%。</p>\n<p> 除此之外,水滴保为了提升内部流量转化,采取的一系列营销手段,无疑是对捐款人的伤害。据黑猫投诉【投诉入口】平台数据显示,有许多向众筹人捐款的用户,在不知情的情况下,投保了某项保险,并连续多月续保,存在诱导老年人投保之嫌。</p>\n<div>\n<span>炒股开户享福利,入金抽188元红包,100%中奖!</span>\n<img src=\"\"/>\n</div>\n<div>\n<div><img src=\"\"/></div>\n<div>海量资讯、精准解读,尽在新浪财经APP</div>\n</div>\n<p>责任编辑:公司观察</p>\n</div></body></html>","source":"sina","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" 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0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n水滴筹开始抽成3%,公益终成生意\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-11-18 17:32 北京时间 <a href=https://finance.sina.com.cn/stock/observe/2022-11-18/doc-imqqsmrp6698704.shtml><strong>新浪证券</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>炒股就看金麒麟分析师研报,权威,专业,及时,全面,助您挖掘潜力主题机会! 出品:新浪财经上市公司研究院\n 作者:新消费主张/cici\n 2021年5月7日,水滴公司于纽交所上市,成为国内第一家登陆纽交所的保险科技公司。然而,上市不足2年,水滴公司的股价已由初上市的12美元/股跌至1.6美元/股,累计跌幅约为86.67%。\n 这或与其水滴筹、水滴保两条主营业务线发展均不容乐观存在一定的联系...</p>\n\n<a href=\"https://finance.sina.com.cn/stock/observe/2022-11-18/doc-imqqsmrp6698704.shtml\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"WDH":"水滴","BK4539":"次新股","BK4173":"保险经纪商","BK4509":"腾讯概念"},"source_url":"https://finance.sina.com.cn/stock/observe/2022-11-18/doc-imqqsmrp6698704.shtml","is_english":false,"share_image_url":"https://static.laohu8.com/b0d1b7e8843deea78cc308b15114de44","article_id":"2284211117","content_text":"炒股就看金麒麟分析师研报,权威,专业,及时,全面,助您挖掘潜力主题机会! 出品:新浪财经上市公司研究院\n 作者:新消费主张/cici\n 2021年5月7日,水滴公司于纽交所上市,成为国内第一家登陆纽交所的保险科技公司。然而,上市不足2年,水滴公司的股价已由初上市的12美元/股跌至1.6美元/股,累计跌幅约为86.67%。\n 这或与其水滴筹、水滴保两条主营业务线发展均不容乐观存在一定的联系。2022年上半年,水滴公司共实现营业总收入13.80亿元,同比下降25.31%;共实现净利润3.12亿元,同比扭亏为盈。其中,公司第二季度营收为7.17亿元,同比下降24.62%;净利润为2.07亿元,同比增长131.56%。\n 不增收却增利背后,水滴公司的净利润改善与其业务开展无关,而与公司开源节流有关。财报显示,水滴公司二季度运营成本和费用为5.45亿元,同比下降68.9%。其中,销售和营销费用同比下降88.4%。事实上,水滴筹两大主营业务线水滴筹、水滴保的业务发展均不容乐观。\n 水滴筹开始抽成3%、负面新闻缠身 二季度筹款规模环比缩减\n 水滴公司创立于2016年,公司旗下业务主要包括水滴保险商城、水滴筹,其中水滴筹为个人大病求助平台,水滴保险商城是国内头部保险经纪平台。水滴公司的盈利模式大致为,通过水滴互助(已关停)和水滴筹聚集起关注捐赠、众筹以及需要帮助的用户,形成巨大的用户流量池,这也为水滴保险商城积累了原始客户群。\n 水滴筹业务是继水滴互助业务后,水滴公司推出的第二款线上互助产品,其主要负责用户推广的任务,为公司其他业务导流——当患病家庭在水滴筹平台发起募捐后,募捐链接可以在朋友圈、群聊等方式不受限转发,实现裂变传播,平台的线上品牌效应也顺势建立,如此一来很容易高效地给水滴平台带来大批低成本的流量\n 2022年前虽未给公司创收,但作为国内知名度较高的公益筹款平台之一,水滴筹的巨大用户量,为水滴公司的业务开展奠定了坚实的用户基础。截至2022年6月30日,累计超过4.12亿人通过水滴医疗众筹向超过258万患者捐款,合计约533亿元。\n 2022年4月前,水滴筹的筹款服务均为免费的,无平台服务费等。依靠免手续费的优势,水滴筹收获了大量的客户流,为后面开拓保险业务打下了基础。\n 2022年4月后,水滴筹开始收取提现金额的3%作为平台服务费,用于日常运营和用户服务,每案例服务费收取上限为5000元,第三方支付平台将另行扣除提现金额0.6%作为支付通道费用。也就是说,在水滴筹平台上筹款,提款时需要扣除3.6%的平台服务费和支付通道费,即若筹资10万,需扣除3600元费用。\n 对此,水滴公司表示水滴筹平台收取3%平台服务费是为了更好地覆盖水滴筹业务直接成本,减轻公司对筹款业务的补贴,从而实现可持续发展。收取平台服务费后,2022年二季度报上显示,水滴筹业务也开始为水滴公司创收了,共带来5610万元收入,约占全部收入的8.96%。\n 事实上,水滴筹平台在2022年之前真的是0收益吗?答案显然是否定的,水滴公司此举更有“在平台用户见顶、筹款规模放缓、保险经纪业务业绩下滑严重后,榨取水滴筹平台剩余价值”的意味。\n 目前国内筹款平台众多,规模较大也就是水滴筹、轻松筹和无忧愁。相比轻松筹、无忧筹,水滴筹的平台服务费是三者中最高的,其中轻松筹平台服务费为2%、无忧筹无平台服务费,而水滴筹的平台服务费大3.6%。\n 同时,由于国内筹款平台同质化严重等问题,相当一部分筹款人或将选择轻松筹、无忧筹等平台。通过2022年第二季度水滴筹平台的筹款规模变化或也能看出些端倪,平台Q2筹款规模为24亿元,环比下降4.00%。\n 筹款规模环比下降,一方面原因或在于平台服务费的收取,另一方面原因或在于水滴筹平台负面新闻频发、信任优势下降。\n 现如今的大病筹款更像是一场大规模的“道德绑架”,众筹治病的故事越来越多,这其中夹杂着家境尚好且有房有车的小康家庭、透支大众善良的黑中介组织等等。\n 对于水滴筹平台而言,由于平台审核不到位等原因,更是频曝负面新闻、引发社会舆论。例如,水滴筹先后发生了德云社弟子筹款、“PS病例”、黑中介等丑闻,地推人员还被曝光伪装成“志愿者”,逐个病房引导患者发起筹款,募捐金额随意填写,不加审核甚至隐瞒求助者财产状况等。\n 这些负面新闻,都在直指水滴筹业务“一面是公益,一面是生意”的矛盾性,其信任优势也随之下降,这或也是公司二季度筹款规模下降的核心因素之一。\n 保险主业颓势难减 二季度同比下降30.4%\n 2017年5月,水滴公司获得保险经纪牌照,正式开始经营保险业务,向低线城市用户提供低价保险产品。\n 据公开资料显示,2019年、2020年和2021年,水滴筹和水滴互助业务的用户为水滴保险产生的FYP (第一年度保费) 的65.2%、55.1%和50.4%。这也意味着,水滴保险超过一半的收入来自水滴筹和水滴互助用户。2021年3月,水滴互助业务被监管叫停后,水滴筹成为水滴保险业务的唯一内部流量支柱。\n 水滴保在大数据的基础之上可以为用户量身定制保险产品,水滴保商城本身并不设计保险产品,而是通过保险代销的模式和各大保险公司合作,为用户提供具有个性化的、性价比高的保险产品。由于有大数据的支撑,水滴保可以根据用户需求推荐更加适合用户的保险。\n 从营收构成角度看,水滴保险佣金收入是主要收入来源,数据显示第二季度,保险相关的收入约为6.26亿元,占比约为87.31%,该业务相关收入包含保险经纪业务赚取的佣金和技术服务收入。\n 截至6月30日,水滴保平台上共提供了454种保险产品,较上季度增加48种,但仍难挡该部分营收下滑的事实。2022年第二季度,水滴公司保险相关收入约为6.26亿元,相较去年同期同比下降30.4%。\n 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